Insurance Blog

Buying a Car from a Private Seller

When scouting for a high-quality used car, sometimes you can find better value from a private seller rather than a dealership.

But, while private sellers can offer great deals, there are some important considerations to keep in mind. Let’s look at some tips and advice on how to buy a car from a private seller safely and confidently.

Playing With Price

When buying a car from a private seller, pricing is one of the most important considerations. Unlike buying from a dealership, where prices are typically set, private sellers are more likely to be open to negotiation. Here are some tips for getting the best deal:

Know the numbers. Before you start negotiating, research the value of the car you're interested in on a site like Kelly Blue Book. This will give you a good starting point for negotiations and help you avoid overpaying.
Don't be afraid to haggle. Private sellers often set their prices higher than they expect to get, so don't be afraid to negotiate. Start with a lower offer and work your way up until you reach a price you're both happy with.

Quality Counts

Another important consideration when buying a car from a private seller is quality. Unlike a dealership, private sellers may not have access to detailed vehicle history reports, and it's up to you to ensure you're getting a reliable vehicle.

Take a spin. Always test drive the car before making a purchase. This will give you a chance to see how the car handles, check for any unusual noises, and ensure that it's comfortable to drive. If you notice anything out of the ordinary, ask the seller about it. You may learn something that can either make or break the deal.
Read the report. Use the car's VIN number to obtain a CarFax report. This report will provide you with information on the car's accident history, service history and ownership history, which can help you make a more informed decision.
Inspect thoroughly. Check the car for any signs of wear and tear, rust, or damage using a detailed checklist like this one provided by DMV.org. This includes checking the tires, brakes, under the hood and many other points of concern. Consider bringing a buddy who’s a mechanic along to help you with the inspection.

Comparison Shop

In addition to researching the value of the car, it's a good idea to compare similar vehicles from different manufacturers and against similar models from different years. This will give you a better idea of the overall value of the car you're interested in and help you negotiate a better deal.

You can read online reviews from respected sources such as Edmunds and watch videos on YouTube to learn more about the car you're interested in. Reviews from other consumers can also provide valuable insights into the reliability and quality of the vehicle.

By comparing similar cars and reading reviews, you can get a better idea of what to expect in terms of performance, fuel economy and overall quality. This can help you negotiate a better price and ensure you're getting good value for your money.

Buy Securely and Safely

When buying a car from a private seller, it's vitally important to ensure that you're obtaining legal ownership of the car in a manner that is safe and secure. With a little guidance, you can avoid some pitfalls:

Formalities are important. Insist on a notarized title from the seller to ensure that you have legal ownership of the car. Avoid any seller who is reluctant to provide a title or who offers to sell the car without one.
Consider cash alternatives. Paying with cash can be risky, as it's difficult to trace and can leave you vulnerable to theft. Consider using a check or money order instead, which can be easily traced and are more secure.

Also, avoid wire transfers or cashier's checks as these methods are difficult to trace and can be used for fraudulent activities. Be wary of sellers who insist on these types of payments.
Exercise caution. Scams are common in private sales. If you're buying from a private seller, do your research to make sure they have a legitimate and verifiable identity. Check their contact information and address, and consider meeting in a public place to conduct the transaction.

Buy and Drive With Confidence

Buying a car from a private seller can be a great way to save money on your next vehicle purchase, but it's important to do your research and take the necessary precautions to ensure that you're getting a reliable car at a fair price.

If you’re considering swapping out your wheels, check out more useful topics:

Talk to a local agent first. You'll be glad you did.
Trends in used car sales.
Online car shopping done right.

When you finally find that stylish new ride, protect yourself and your investment with the right insurance by working with a local ERIE agent. You can also talk to your agent about adding extras like Auto Security¹ and ERIE Auto Plus^®² to your policy.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home offices: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). The companies within the Erie Insurance Group are not licensed to operate in all states. Refer to the company licensure and states of operation information.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time.

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions.

The insurance products and services described in this blog are not offered in all states. ERIE life insurance and annuity products are not available in New York. ERIE Medicare supplement products are not available in the District of Columbia or New York. ERIE long term care products are not available in the District of Columbia and New York.

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

Posted on 1 June 2023 | 9:00 pm

9 Tips for Planning the Perfect Hiking Trip

Whether you’re looking to take a break from the stress of everyday life, or just immerse yourself in the beauty of nature, taking a hike could be the solution.

If you’ve never hiked before, don’t let that deter you. One of the best things about hiking is there’s no experience or expensive gear required to get started. All you need is some time, a sense of adventure and a little bit of preparation.

Ready to hit the trail? Here are 9 tips to help:

Know your route. The first step of a great hiking trip is choosing your trail. Chances are you can find a trail nearby that will make for a great day hike. But if you’re looking for a multi-day trip or impressive scenery, you may want to travel to a state or national park. (Some parks might be closed due to coronavirus restrictions, so make sure to check before you go.) Websites like REI’s Hiking Project let you search nearby trails and read reviews too, so you’ll know exactly what to expect.
Choose the right shoes. Footwear can make the difference between an enjoyable hike and hours of pain. For relatively flat and easy trails, a pair of running shoes should do. But if you’re tackling rough and rocky terrain, you’ll appreciate the ankle support offered by a high-top hiking boot. Whatever you choose, prevent blisters by making sure your shoes fit right and are well broken in.
Play it Safe. When going for a hike, safety should be a top priority. Hike with a partner from your household if you can, keeping social distancing guidelines in mind. Be sure to let someone else know of your hiking plans. It’s a good idea to leave a copy of your itinerary in the car, too – just in case a search and rescue crew would need to find you. There are also plenty of outdoor apps available that can provide everything from first aid tips to GPS tracking.
Dress in layers. Weather can be unpredictable when you’re hiking – especially at higher elevations. Always check the forecast right before you leave, and dress accordingly. Wearing multiple layers can help keep you comfortable throughout the day by adding and removing clothing.
Be prepared. Just like the weather, nature can be unpredictable. So even if you’re only planning a short day hike, it’s good to be prepared. Carry some essentials like water, snacks, matches, a flashlight, a pocket knife and a small first aid kit. Hopefully you won’t need these items. But if anything unexpected happens, you’ll be glad you brought them along.
Get in shape. Preparing for a hike takes more than packing a bag. You’ll also want to prepare yourself physically. Before your trip, step up your cardio by walking or running to get in shape. Exercises like squats and steps can prepare your legs, while planks and situps help strengthen your core.
Know your limits. When you’re choosing a hiking trail, it’s best to start small. Pay close attention to the difficulty rating of your chosen trail and be realistic about your limits. An average hiking pace is about 3 miles per hour, but you’ll need to add an hour for every 1,000 feet of increased elevation. Remember, choosing a hike with too much distance or elevation can leave you sore – or worse, stranded.
Pack light. It’s important to be prepared, but a heavy backpack can make hiking feel like a chore. Avoid overpacking by sticking to the essentials and saving weight where possible. For example, a travel-size tube of sunscreen is a better choice than its full-size counterpart. And if you’re hiking alongside a clean water source like a creek or river, you can filter water instead of carrying it all on your back. Read tips for filtering water from the American Hiking Society.
Know the rules. Every park and trail has its own set of rules. Do your homework before your hike so you know what’s allowed. All hiking areas will ask you to follow “leave no trace” principles. This means leaving the hiking area as you found it and packing out all of your trash. Most parks prohibit feeding wildlife, and there will be additional rules on camping, straying from marked trails and building campfires.

Hiking offers amazing opportunities to experience nature while spending some quality time with friends and family. Follow these tips, and you’ll be all set to plan a perfect hike with the people you love.

At Erie Insurance, we know planning is smart... but life is rarely predictable. That’s why we’re with you on the journey, for whatever’s in store. Your local ERIE agent is flexible when circumstances change, steady when the unexpected happens, capable when help is needed and optimistic about what the future holds. Contact us today to ensure your home – and everything it stands for – is protected.

Whether you’re looking to take a break from the stress of everyday life, or just immerse yourself in the beauty of nature, taking a hike could be the solution.

Ready to hit the trail? Here are 9 tips to help:

Know your route. The first step of a great hiking trip is choosing your trail. Chances are you can find a trail nearby that will make for a great day hike. But if you’re looking for a multi-day trip or impressive scenery, you may want to travel to a state or national park. (Some parks might be closed due to coronavirus restrictions, so make sure to check before you go.) Websites like REI’s Hiking Project let you search nearby trails and read reviews too, so you’ll know exactly what to expect.
Choose the right shoes. Footwear can make the difference between an enjoyable hike and hours of pain. For relatively flat and easy trails, a pair of running shoes should do. But if you’re tackling rough and rocky terrain, you’ll appreciate the ankle support offered by a high-top hiking boot. Whatever you choose, prevent blisters by making sure your shoes fit right and are well broken in.
Play it Safe. When going for a hike, safety should be a top priority. Hike with a partner from your household if you can, keeping social distancing guidelines in mind. Be sure to let someone else know of your hiking plans. It’s a good idea to leave a copy of your itinerary in the car, too – just in case a search and rescue crew would need to find you. There are also plenty of outdoor apps available that can provide everything from first aid tips to GPS tracking.
Dress in layers. Weather can be unpredictable when you’re hiking – especially at higher elevations. Always check the forecast right before you leave, and dress accordingly. Wearing multiple layers can help keep you comfortable throughout the day by adding and removing clothing.
Be prepared. Just like the weather, nature can be unpredictable. So even if you’re only planning a short day hike, it’s good to be prepared. Carry some essentials like water, snacks, matches, a flashlight, a pocket knife and a small first aid kit. Hopefully you won’t need these items. But if anything unexpected happens, you’ll be glad you brought them along.
Get in shape. Preparing for a hike takes more than packing a bag. You’ll also want to prepare yourself physically. Before your trip, step up your cardio by walking or running to get in shape. Exercises like squats and steps can prepare your legs, while planks and situps help strengthen your core.
Know your limits. When you’re choosing a hiking trail, it’s best to start small. Pay close attention to the difficulty rating of your chosen trail and be realistic about your limits. An average hiking pace is about 3 miles per hour, but you’ll need to add an hour for every 1,000 feet of increased elevation. Remember, choosing a hike with too much distance or elevation can leave you sore – or worse, stranded.
Pack light. It’s important to be prepared, but a heavy backpack can make hiking feel like a chore. Avoid overpacking by sticking to the essentials and saving weight where possible. For example, a travel-size tube of sunscreen is a better choice than its full-size counterpart. And if you’re hiking alongside a clean water source like a creek or river, you can filter water instead of carrying it all on your back. Read tips for filtering water from the American Hiking Society.
Know the rules. Every park and trail has its own set of rules. Do your homework before your hike so you know what’s allowed. All hiking areas will ask you to follow “leave no trace” principles. This means leaving the hiking area as you found it and packing out all of your trash. Most parks prohibit feeding wildlife, and there will be additional rules on camping, straying from marked trails and building campfires.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time.

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions.

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

Posted on 1 June 2023 | 9:00 pm

10 Great Hikes East of the Mississippi

If you’re looking for a picturesque hike, many praise the long and arduous trails of the West. But there are also plenty of breathtaking hiking destinations east of the Mississippi, and some of them may be in your own backyard.

The combination of fresh air, exercise and beautiful scenery can offer benefits for both the mind and body. That can help a lot after a few months of being cooped up. Whether you prefer casual hikes or multi-day adventures, odds are you won’t need a plane ticket to reach these trailheads.

Want to check out something new without traveling too far? Here are some East Coast hikes that are worth adding to your bucket list:

Ridge Trail, Old Rag Mountain, Virginia

Difficulty: Challenging

The Ridge Trail in Shenandoah National Park is one of the most popular hikes in the country. You can hike the trail clockwise or counterclockwise depending on whether you want to tackle its popular rock scramble traveling uphill or downhill.

Meet at the Old Rag parking lot trailhead and double knot your hiking boots. This trail is known as one of the best in the park. It’s also one of the more challenging hikes, it’s recommended to face the steep climb in elevation early on when you’re feeling strong.

Upper Hawksbill Trail, Hawksbill Mountain, Virginia

Difficulty: Easy

While you’re in Shenandoah, why not try to reach the tallest peak in the park? Hawksbill Mountain reaches 4,051 feet and the Upper Hawksbill Trail is the easiest hike to the top.

Follow the blue blazes and stop to rest at Byrd’s Nest Shelter, a popular day-use area close to the summit. There’s a good chance you’ll see birds of prey and other wildlife on your way up.

Cuyahoga Valley National Park, Ohio

Difficulty: Moderate

Although the Midwest isn’t famous for its National Parks, Cuyahoga Valley National Park is not to be overlooked. The park surrounds the Cuyahoga River and the historic Ohio & Erie Canal. It also boasts more than 125 miles of trails, including the popular 20-mile towpath.

Choose a shorter hike to see one of the park's waterfalls or go off the beaten path using part of the Ohio Buckeye Trail, which circles the entire state.

Ice Age National Scenic Trail, Wisconsin

Difficulty: Challenging

Hiking the Ice Age National Scenic Trail offers a look into the land’s past. Its forested trails follow the edge of the last continental glacier to cross Wisconsin. Not only will you see the stunning sights of today but you’ll also get a look at how the landscape was shaped.

Hike smaller portions or try multi-day segments for a longer adventure. If you drive to the different state parks along the trail, keep a car emergency kit handy in case of a breakdown.

Brown County State Park, Nashville, Indiana

Difficulty: Moderate

Just an hour south of Indianapolis sits the largest state park in Indiana. The longest trail is only 3.5 miles, making any of the hikes a great choice for bringing along kids or a dog (on a leash).

Pick a week when the leaves are changing and take the whole family. If you choose the longer trail, you’ll see a more remote part of the park, ending with a walk around Ogle Lake.

Shawnee State Forest, Herod, Illinois

Difficulty: Easy

This National Forest occupies more than 280,000 acres between the Mississippi and Ohio Rivers. Among the network of paths, you’ll find the Garden of the Gods Observation Trail, a short hike that leads to a tree canopy filled with new-growth pines and hardwoods planted in the 1930s.

Take the half-mile roundtrip hike and pause at the wildflowers and sandstone rock formations. This trail is good for all skill levels and ends with a vast view of the forest.

Rocky Top Trail, Rocky Top, Tennessee

Difficulty: Challenging

There’s no hiking destination in Tennessee more well-known than Rocky Top. This scenic hike is lined with rhododendrons and panoramic views of the Smoky Mountains. The summit even inspired the University of Tennessee’s fight song, so it’s a great trail to check off your list.

Smell the flowers, conquer the elevation and take in the view. If you head from Cades Cove, brace yourself for the 11-mile roundtrip trek.

Starved Rock State Park, Illinois

Difficulty: Easy

This park includes 18 canyons and 14 waterfalls, as well as a striking view of the Illinois River. It’s the most popular Illinois state park so you may have to battle some crowds but its famous rock formation is just 15 minutes from the visitor center.

Bring the kids and dogs to play in one of the park’s waterfalls during the warmer months. You can also take a ski trip or watch ice climbers make their way up the canyon during the winter.

Mount Mitchell Trail, North Carolina

Difficulty: Challenging (unless you drive to the top!)

No list about hikes east of the Mississippi is complete without Mount Mitchell. This is one of the highest peaks in eastern North America and has long been documented by scientists and explorers alike. The 12-mile roundtrip trail is lined with historical markers for hikers to read while they catch their breath.

Hike, camp or backpack your way up to the top of the Black Mountain Range. If you don’t want to deal with traffic on the trail, drive to the summit parking area and walk to the observation deck.

Lakeshore Trail, Pictured Rocks National Lakeshore, Michigan

Difficulty: Moderate

This 42-mile trail lines the Michigan shore with views ranging from waterfalls to lighthouses. Although much of the trail is moderate in difficulty, it does share some distance with the North Country Trail which is about 4,600 miles long and has several climbs between bluffs.

Stop at an overlook while you take in the sights or test out some camping hacks at one of the trail’s 11 backcountry campgrounds. If you get too worn out, use the shuttle service and just hike one way.

Embrace the Journey

The journey it takes to reach the summit makes the view that much more rewarding. Step by step, a great hike can help remind us that life is about living in the moment. At Erie Insurance, we value those moments just as much as you do. That’s why we go out of our way to help you protect what matters most.Talk to your local ERIE agent today to find the right insurance coverage for you and your family. We’d love to help you on your journey.

Want to check out something new without traveling too far? Here are some East Coast hikes that are worth adding to your bucket list:

Ridge Trail, Old Rag Mountain, Virginia

Difficulty: Challenging

Upper Hawksbill Trail, Hawksbill Mountain, Virginia

Difficulty: Easy

While you’re in Shenandoah, why not try to reach the tallest peak in the park? Hawksbill Mountain reaches 4,051 feet and the Upper Hawksbill Trail is the easiest hike to the top.

Follow the blue blazes and stop to rest at Byrd’s Nest Shelter, a popular day-use area close to the summit. There’s a good chance you’ll see birds of prey and other wildlife on your way up.

Cuyahoga Valley National Park, Ohio

Difficulty: Moderate

Choose a shorter hike to see one of the park's waterfalls or go off the beaten path using part of the Ohio Buckeye Trail, which circles the entire state.

Ice Age National Scenic Trail, Wisconsin

Difficulty: Challenging

Hike smaller portions or try multi-day segments for a longer adventure. If you drive to the different state parks along the trail, keep a car emergency kit handy in case of a breakdown.

Brown County State Park, Nashville, Indiana

Difficulty: Moderate

Just an hour south of Indianapolis sits the largest state park in Indiana. The longest trail is only 3.5 miles, making any of the hikes a great choice for bringing along kids or a dog (on a leash).

Pick a week when the leaves are changing and take the whole family. If you choose the longer trail, you’ll see a more remote part of the park, ending with a walk around Ogle Lake.

Shawnee State Forest, Herod, Illinois

Difficulty: Easy

Take the half-mile roundtrip hike and pause at the wildflowers and sandstone rock formations. This trail is good for all skill levels and ends with a vast view of the forest.

Rocky Top Trail, Rocky Top, Tennessee

Difficulty: Challenging

Smell the flowers, conquer the elevation and take in the view. If you head from Cades Cove, brace yourself for the 11-mile roundtrip trek.

Starved Rock State Park, Illinois

Difficulty: Easy

Bring the kids and dogs to play in one of the park’s waterfalls during the warmer months. You can also take a ski trip or watch ice climbers make their way up the canyon during the winter.

Mount Mitchell Trail, North Carolina

Difficulty: Challenging (unless you drive to the top!)

Hike, camp or backpack your way up to the top of the Black Mountain Range. If you don’t want to deal with traffic on the trail, drive to the summit parking area and walk to the observation deck.

Lakeshore Trail, Pictured Rocks National Lakeshore, Michigan

Difficulty: Moderate

Embrace the Journey

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time.

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions.

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

Posted on 1 June 2023 | 9:00 pm

So You Want to Buy an RV

If you’ve been wrestling with wanderlust (but aren't into pitching a tent), you’re not alone.

Enter the RV.

There’s certainly an appeal to this type of travel: the freedom, the flexibility, the slower pace. There’s also the fact that it doesn’t require hopping on a plane or sleeping in a hotel to reach your destination.

If the aspects of this kind of travel appeal to you, or if you want a new way to get outdoors and make family memories, perhaps an RV is in your future. But first-time buyers need to do their homework. And we’re here to help. Below, we break down what new RV owners should know before driving (or towing) their new “toy” off the lot. (And if you need RV insurance, we can help with that, too.)

Buying an RV for the First Time

Before you sign on the dotted line, there are a few questions you need to ask yourself. Your insights will determine what kind of RV may be a good fit for you:

How much am I willing to spend? We’ll get into how much RVs can cost in a minute. But it’s a good idea to put a figure on your price tag threshold.
How many people will I need to fit? This may seem like an obvious question, but RVs are designed to comfortably fit and sleep a certain number of people. Think of who you plan to include on your travels, and don’t forget any four-legged friends, too.
How often will I use my RV? Take a look at your lifestyle and figure out how frequently you plan to hit the road in your RV. Will you camp seasonally or would you like the option of going year-round? Will you take it out for a few days or would you like to go on weeklong (or even monthlong) adventures?
Where do I want to camp? Do you plan to kick back at private campgrounds or do you see yourself escaping to more scenic destinations like public campgrounds in state and national parks? Do your research and find out which environments appeal to you and your family. If you prefer more remote locations, a smaller RV may be a better option due to size restrictions.
What will I bring along and how much storage will I need? Are you planning to tow a vehicle with your RV? What about bringing bicycles or folding picnic tables? Do you have an ATV that you’ll want to load up, too? Consider the cargo you will want to haul, along with your fellow voyagers.
What amenities do I want? When it comes to RV interiors, the sky really is the limit. Some are very basic, with no toilets or cooktops. Others are outfitted with full-size refrigerators bathrooms with showers, flat-screen TVs and king-size beds. Of course, all these extra features come at a price. Jot down your sticking points and keep them in mind as you shop.
Do I want to drive or tow my RV? RVs fall into two camps (pun intended): motorized and towable. There are benefits to each, and we’ll get into the specific types below. If you already have a truck or an SUV with the necessary towing capacity, a towable RV could be a financially smart move.

What Type of RV Should I Buy?

Motorized

Motorized RVs are ones where you sit behind the wheel and drive. They’re categorized into three classes:

Class A: These RVs tend to look like buses, typically have six wheels and can range from 21 to 43 feet long. Able to sleep between six and eight people, they’re usually outfitted with top-of-the-line features like private bedrooms, separate living areas, kitchens and more. While they rank at the top of the list for amenities, they also can be the most expensive.
Class B: At first glance, these “camper vans” may look like they belong on the roadway rather than in a campground. But they offer nearly all the amenities of a typical motor home in a vehicle that may be easier to drive for those who are used to a minivan or an SUV. They’re smaller than a Class A at about 16 to 21 feet long, and they can sleep up to four people.
Class C: Class Cs are recognized by their classic design with a distinct overhang above the roof of the driver’s cab. They come equipped with a wide range of amenities and are available in multiple configurations to sleep up to eight people. They’re usually between 25 and 35 feet long.

Towable

These RVs can be hitched to the back of your vehicle. Some are lightweight while others are heavy-duty, so you’ll need to consider whether your vehicle can haul it across the open road.

Travel trailers: Available in a seemingly infinite range of sizes, configurations and prices (with amenities to boot), travel trailers are a versatile and popular option among novice and seasoned RVers alike.
Fifth wheel trailers: With a fifth wheel, it feels like you’re hauling a small apartment behind your truck (and yes, you will need a truck with a specialized fifth wheel hitch). The added room offers more homelike amenities and additional interior space.
Pop-up campers: These compact, lightweight trailers fold open and closed. And sleeping in them can feel more like sleeping in a tent. Depending on the model, they may actually look like a tent! These typically offer less amenities than other trailers, but they come in at a lower price point and you don’t need a heavy-duty vehicle to tow one. You can even fit between four and eight people in these campers.
Sport utility haulers: When you want to bring along your “toys,” a sport utility hauler could be a nice fit. They offer storage for ATVs, golf carts and more while also providing the amenities of a travel trailer, including a full kitchen, bathroom and living areas.
Other towable options: There are a multitude of RVs to fit every traveler: truck campers, expandable and teardrop trailers, and park model RVs. Do your research to find out which is best for you.

How Much Does an RV Cost?

This is a question that involves more than a few variables, including:

The type of RV
Whether the RV is new or used
Condition of the RV
Number of miles (if it’s motorized)
Included amenities, and the condition of those features if it’s used

You could go onto Craigslist or other online classified sites and find an older, used RV at a bargain. Or you could spend hundreds of thousands of dollars on a new motorized RV that has top-of-the-line features (some of these can even break the million-dollar mark).

For a general guideline on how much new RVs can cost, the RV Industry Association reports the following prices:

Folding camping trailers: $6,000 to $22,000
Conventional travel trailers: $8,000 to $95,000
Fifth wheel trailers: $18,000 to $160,000 for fifth wheel trailers
Class B and C motor homes: $60,000 to $150,000
Class A motor homes: $60,000 to $500,000

New or Used RV?

There are pros and cons to either option. It depends on your comfort level and a few other factors, including:

Price: Used RVs tend to cost less than their new counterparts, as new RVs can be quite expensive.
Features and amenities: New RVs will be outfitted with the latest bells and whistles.
Condition: Not that issues can’t occur with a new RV, but at least you know exactly what you’re getting. Used RVs are “lived in,” so they can have a few more knicks and dings. This may not bother you. Just bear in mind that any undetected damage could be expensive to fix.

Do You Need a Special License to Drive an RV?

According to Go RVing, a state-issued driver’s license is typically all you need. However, laws differ from state to state. Do your due diligence and learn about the requirements in your state. Your Department of Motor Vehicles is a great place to start.

Other Considerations for Buying an RV

Unlike purchasing a new car, when you buy an RV, there are a host of other factors to bear in mind:

Unexpected costs: Fees for maintenance and repairs, insurance and registration, fuel and propane, campsites and food are all standard expenses when you start RVing. You should factor these in when looking at the overall cost of RV ownership and budget accordingly.
New skills: Do you understand the inner workings of an RV septic system, including the difference between a blackwater tank and a gray water tank? Have you ever backed up a travel trailer? Are you comfortable boondocking? (And do you even know what that means?) With RV ownership comes the need to acquire new knowledge and skills so you can camp safely and successfully.
Storage: Unless you plan on being a full-time RVer, you will need a safe place to store your rig when it’s not in use. If you store it somewhere other than your own property, there will be fees and other logistics to consider, like winterizing and ease of accessibility.

Is RV Insurance Required? (And What Does It Cover?)

If you own a motorized RV, you will need to purchase separate liability coverage for that vehicle. Learn how our RV insurance can protect your motorized RV with the same coverages as the vehicles on your auto insurance policy.

For towable RVs covered by Erie Insurance, the liability coverage on the insured vehicle pulling the trailer extends to the towable RV itself.^²

With both motorized and towable RVs, you’ll most likely want to purchase comprehensiveand collisioncoverage; it may even be required by your lienholder. This can protect you when your RV is parked or when it’s in storage.

Other coverages to consider are Emergency Roadside Service, Rental Car Expense Coverage and an umbrella policy, all of which give you added layers of protection.

Get a Quote for RV Insurance

Camping is a fun way to connect with nature and your loved ones. See how RV insurance from ERIE can help ensure your camping fun continues by protecting your investment and keeping you safe.

Plus, if you add your RV or travel trailer to your ERIE auto policy, you get the convenience of using one insurance company and dealing with just one bill. You may even be eligible for extra discounts. To make sure you get the coverage you need, talk to your local ERIE agent for details.^¹

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time.

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions.

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

Posted on 31 May 2023 | 9:00 pm

Growing Your Business: 9 Tips for Opening a New Location

You started your business with a dream. A vision for the future. And there’s no satisfaction like watching that dream come to fruition.

If business is booming and all your hard work is finally paying off, it’s natural to think about expansion. But how do you know when the timing is right to open a new location?

The truth is, there can be danger in growing your business too fast. According to the U.S. Bureau of Labor Statistics, about 20% of small businesses fail within the first year. And after five years, about half have closed up shop.

But time isn’t the only factor. Even if you’ve been operating for decades, scaling your business is still a difficult decision. Because a wrong move could jeopardize everything you’ve worked to build.

Are you ready to grow? Here are 9 things you should consider before opening your new location.

How to Expand Your Business to a New Location

Know your objective

Before you get caught up in the excitement of looking for real estate and designing your new space, make sure you have a clear understanding of why you’re deciding to expand in the first place. This may sound like common sense. But you’d be surprised how easy it is to lose focus when adding a new location.

Are you wanting to move into a new market? Or is there so much demand at your current location that you’re unable to capture it all? Your answer to these questions will help you plan your next steps with clarity, enabling you to make decisions without losing sight of the end goal.

Consider the alternatives

These first few tips may make it sound like we’re trying to talk you out of opening another location. We assure you, that’s not the case. However, you should be confident in your commitment to expand before taking on all those extra financial commitments and overhead expenses.

So after you’ve set your objectives, ask yourself if there are any other ways you could meet these growth goals. For example:

Online sales: If you have a physical storefront, maybe you could beef up your online sales by investing in a new website and social media marketing.
New services: Are you running a successful restaurant? Perhaps additional delivery and takeout services could be the key to increasing revenue without the added risk of opening a new location.

This exercise can help you squeeze the most revenue out of your existing business first. And there’s an added bonus: If you can’t think of less costly alternatives to physical expansion, you can move forward with confidence.

Choose your location wisely

We’ve all heard the real estate mantra: “location, location, location.” And for good reason. Where you decide to open could be the difference between successful growth and a failed investment. Start by doing your research on the general area first. Ask yourself:

Is the proposed new location close enough to build on your initial success and brand recognition?
Is it far enough away that you can tap into a new market of potential customers?
Are there nearby competitors that could threaten your profitability?

This type of market research can help you understand the potential demand before you make any commitments. Then, start looking for a physical space that meets your needs. Be sure to consider:

Rental expenses
Accessibility and traffic (foot and vehicle)
Potential renovation costs

Repeat what works

Opening a new location presents a tempting opportunity to try something new and different. But this type of experimentation has led to many failed expansion efforts.

Remember, your current success – the success that made this growth necessary in the first place – was built off your first location. Change it up too much, and you may lose the spark that made your business such a hit with customers.

Of course, that doesn’t mean your new location has to be a carbon copy of the first. You can always add new products, services or menu items to mix things up a little. Just don’t miss out on the opportunity to replicate your prior success.

Focus on culture

Company culture is one of those things that can be hard to quantify. But we all know a good one when we experience it. And you should never discount its worth. Oftentimes, your culture is defined not only by your vision and values – but by the way you treat customers and employees. To make sure your existing culture isn’t lost during expansion:

Take note of what makes your business special.
Document important processes and incorporate them into your training efforts.
Be sure the managers at your new location understand and embody the culture you’ve worked so hard to build.

Build your brand

If your first location is a success, you may fall into the Field of Dreams trap – believing “if you build it, they will come.” Don’t make that mistake. Never underestimate the importance of marketing and communications in your growth efforts.

Instead, consider ways to get the word out – whether it’s through social media marketing or more traditional advertising efforts. And don’t ignore your biggest fans: your existing customer base. Empowering loyal customers to help spread the news of your expansion is another great way to build awareness and excitement.

Calculate cash flow

Regardless of how much time and money you decide to invest in your new business location, it will probably cost more than you planned. That’s why it’s important to build a realistic projection of your profitability.

Since you’re deciding to grow, we’ll assume your first location is already profitable. But is it profitable enough to cash flow your other location if it takes longer than expected to break even? If it’s not, do you have access to the financing or capital needed to make things work?

If you’re not good with data and numbers, find someone who is. Because a mistake here could mean problems for not only your new location – but the first one, as well.

Find the right people

As a business owner, you know good help is hard to find. But you’re going to need hard-working, dependable employees to grow your business across multiple locations.

The reasoning here is obvious. You can’t be in two places at once. And if you tried, you’d be spreading yourself too thin. So you’ll need to entrust the work of growing your business to others.

Before you branch out, it’s important to know you have others who can manage things in your absence. If you don’t have employees who are ready to take on this responsibility, or if customers insist on doing business with you alone, it may be wise to hold off on expansion for now.

Protect your investment

Here’s another hard truth: As your business grows, so does your risk. And we’re not just talking about the risk of launching a successful business. This also includes risk associated with commercial property damage, workers’ compensation claims, theft and lawsuits.

Before you commit to opening a new location, give your Erie Insurance agent a call. Your agent can help you customize your business insurance policy to meet the exact needs of your growing business – whether you run an auto repair shop, restaurant or construction company.

As an ERIE customer, you also have access to assistance from a risk control consultant who can help you evaluate the potential risks your business faces – and recommend measures you can take to help reduce them.

Grow With Confidence

You've worked hard to build and grow your business. At ERIE, our mission is to help you help keep it safe – with custom solutions crafted from years of experience protecting businesses like yours.

To learn more about how an ERIE business insurance policy can help protect you, contact an ERIE agent in your neighborhood today.

The insurance products and rates, if applicable, described in this blog are in effect as of July 2022 and may be changed at any time.

Insurance products are subject to terms, conditions and exclusions not described in this blog. The policy contains the specific details of the coverages, terms, conditions and exclusions.

Eligibility will be determined at the time of application based upon applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer questions you may have before you buy.

Posted on 29 May 2023 | 9:00 pm

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Growing Your Business: 9 Tips for Opening a New Location

How to Expand Your Business to a New Location

Know your objective

Consider the alternatives

Choose your location wisely

Repeat what works

Focus on culture

Build your brand

Calculate cash flow

Find the right people

Protect your investment

Grow With Confidence

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